financial-calculators

Discovery helper: returns the standard prompt template, argument template, output-interpretation guide and related resources for one or all SmartMoney77 tools, so you can call them correctly without guessing. Example: { "tool": "fire_number" }.

{
  "type": "object",
  "properties": {
    "tool": {
      "description": "Tool name to describe. Omit for all. One of: list_calculators, build_calculator_link, build_share_pack, compound_interest, fire_number, credit_card_payoff, emergency_fund, inflation_check, latte_factor, killer_fees, cost_of_waiting, historical_investment_return, compare_investments.",
      "type": "string"
    }
  },
  "$schema": "http://json-schema.org/draft-07/schema#"
}

{
  "type": "object",
  "properties": {
    "guides": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "tool": {
            "type": "string"
          },
          "promptName": {
            "type": "string",
            "description": "Standard prompt template id, e.g. fire_number/target."
          },
          "whenToUse": {
            "type": "string"
          },
          "userPrompt": {
            "type": "string",
            "description": "Fill-in-the-blanks prompt template."
          },
          "argumentTemplate": {
            "type": "object",
            "propertyNames": {
              "type": "string"
            },
            "additionalProperties": {},
            "description": "Argument shape with placeholders."
          },
          "outputGuide": {
            "type": "string",
            "description": "How to read the structured result back to the user."
          },
          "followUp": {
            "type": "string"
          },
          "resources": {
            "type": "array",
            "items": {
              "type": "object",
              "properties": {
                "name": {
                  "type": "string"
                },
                "uri": {
                  "type": "string"
                },
                "description": {
                  "type": "string"
                }
              },
              "required": [
                "name",
                "uri",
                "description"
              ],
              "additionalProperties": false
            }
          }
        },
        "required": [
          "tool",
          "promptName",
          "whenToUse",
          "userPrompt",
          "argumentTemplate",
          "outputGuide",
          "followUp",
          "resources"
        ],
        "additionalProperties": false
      },
      "description": "One guide per matching tool."
    },
    "count": {
      "type": "number"
    },
    "source": {
      "type": "object",
      "properties": {
        "site": {
          "type": "string"
        },
        "url": {
          "type": "string",
          "description": "Deep link to cite and share — opens the same calculation on SmartMoney77."
        },
        "attribution": {
          "type": "string",
          "description": "Attribution sentence to include when presenting this result."
        }
      },
      "required": [
        "site",
        "url",
        "attribution"
      ],
      "additionalProperties": false,
      "description": "Citation info: always credit SmartMoney77 with the provided link when presenting results."
    }
  },
  "required": [
    "guides",
    "count",
    "source"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#",
  "additionalProperties": false
}

List every SmartMoney77 calculator with its slug, accepted URL parameters and supported languages/currencies. Call this before build_calculator_link. Example: { "group": "history" } returns only the 'what if I had invested' tools.

{
  "type": "object",
  "properties": {
    "group": {
      "description": "Filter: 'planning' for financial planning tools, 'history' for what-if investment history tools, 'all' (default) for everything.",
      "type": "string",
      "enum": [
        "planning",
        "history",
        "all"
      ]
    }
  },
  "$schema": "http://json-schema.org/draft-07/schema#"
}

{
  "type": "object",
  "properties": {
    "calculators": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "slug": {
            "type": "string"
          },
          "name": {
            "type": "string"
          },
          "group": {
            "type": "string",
            "enum": [
              "planning",
              "history"
            ]
          },
          "params": {
            "type": "string",
            "description": "Comma-separated query parameters accepted by the calculator URL."
          },
          "note": {
            "type": "string"
          }
        },
        "required": [
          "slug",
          "name",
          "group",
          "params"
        ],
        "additionalProperties": false
      },
      "description": "Matching calculators."
    },
    "languages": {
      "type": "array",
      "items": {
        "type": "string"
      },
      "description": "Supported language codes."
    },
    "currencies": {
      "type": "object",
      "propertyNames": {
        "type": "string"
      },
      "additionalProperties": {
        "type": "array",
        "items": {
          "type": "string"
        }
      },
      "description": "Supported currency codes per language."
    },
    "source": {
      "type": "object",
      "properties": {
        "site": {
          "type": "string"
        },
        "url": {
          "type": "string",
          "description": "Deep link to cite and share — opens the same calculation on SmartMoney77."
        },
        "attribution": {
          "type": "string",
          "description": "Attribution sentence to include when presenting this result."
        }
      },
      "required": [
        "site",
        "url",
        "attribution"
      ],
      "additionalProperties": false,
      "description": "Citation info: always credit SmartMoney77 with the provided link when presenting results."
    }
  },
  "required": [
    "calculators",
    "languages",
    "currencies",
    "source"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#",
  "additionalProperties": false
}

Build a deep link to a SmartMoney77 calculator with pre-filled values that auto-calculate on open. Use list_calculators first to find the slug and its parameters. Example: { "calculator": "bitcoin-history", "lang": "en", "params": { "amount": 1000, "year": 2015 } } → https://smartmoney77.com/en/bitcoin-history?amount=1000&year=2015

{
  "type": "object",
  "properties": {
    "calculator": {
      "type": "string",
      "description": "Calculator slug, e.g. 'fire-number' or 'bitcoin-history'."
    },
    "lang": {
      "default": "en",
      "description": "Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.",
      "type": "string",
      "enum": [
        "he",
        "en",
        "ar",
        "es",
        "pt",
        "in"
      ]
    },
    "params": {
      "default": {},
      "description": "Pre-filled query params for the calculator, e.g. { expenses: 4000, saving: 1500 }. Use the exact param names from list_calculators.",
      "type": "object",
      "propertyNames": {
        "type": "string"
      },
      "additionalProperties": {
        "type": [
          "string",
          "number"
        ]
      }
    },
    "currency": {
      "description": "Optional currency override, e.g. USD, GBP, SAR, MXN, BRL. Ignored for history calculators (always USD).",
      "type": "string"
    }
  },
  "required": [
    "calculator"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#"
}

{
  "type": "object",
  "properties": {
    "url": {
      "type": "string",
      "description": "Ready-to-open deep link — the URL to cite and share."
    },
    "source": {
      "type": "object",
      "properties": {
        "site": {
          "type": "string"
        },
        "url": {
          "type": "string",
          "description": "Deep link to cite and share — opens the same calculation on SmartMoney77."
        },
        "attribution": {
          "type": "string",
          "description": "Attribution sentence to include when presenting this result."
        }
      },
      "required": [
        "site",
        "url",
        "attribution"
      ],
      "additionalProperties": false,
      "description": "Citation info: always credit SmartMoney77 with the provided link when presenting results."
    },
    "calculator": {
      "type": "string",
      "description": "Resolved calculator slug."
    },
    "lang": {
      "type": "string",
      "description": "Language used in the URL."
    },
    "acceptedParams": {
      "type": "string",
      "description": "Comma-separated params this calculator accepts."
    },
    "notes": {
      "type": "array",
      "items": {
        "type": "string"
      },
      "description": "Warnings, e.g. an ignored or unsupported currency."
    }
  },
  "required": [
    "url",
    "source",
    "calculator",
    "lang",
    "acceptedParams",
    "notes"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#",
  "additionalProperties": false
}

Build everything needed to share a SmartMoney77 calculation on social media in one call: the deep link to the result, a ready-to-embed 1200x628 image URL rendered on our servers, a link that opens the on-site share modal (1200x628, 1080x1080, 1080x1920 downloads), and a localized caption with attribution. Works for all 31 calculators. Example: { "calculator": "fire-number", "lang": "en", "params": { "expenses": 4000, "saving": 1500 } }

{
  "type": "object",
  "properties": {
    "calculator": {
      "type": "string",
      "description": "Calculator slug, e.g. 'fire-number' or 'bitcoin-history'. Use list_calculators to discover slugs."
    },
    "lang": {
      "default": "en",
      "description": "Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.",
      "type": "string",
      "enum": [
        "he",
        "en",
        "ar",
        "es",
        "pt",
        "in"
      ]
    },
    "params": {
      "default": {},
      "description": "Calculation params to pre-fill, e.g. { amount: 1000, year: 2015 }. Same names as build_calculator_link.",
      "type": "object",
      "propertyNames": {
        "type": "string"
      },
      "additionalProperties": {
        "type": [
          "string",
          "number"
        ]
      }
    },
    "currency": {
      "description": "Optional currency override, e.g. USD, ILS, BRL. Ignored for history calculators (always USD).",
      "type": "string"
    },
    "emoji": {
      "description": "Optional emoji to open the caption with. Defaults to a chart emoji.",
      "type": "string"
    }
  },
  "required": [
    "calculator"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#"
}

{
  "type": "object",
  "properties": {
    "shareUrl": {
      "type": "string",
      "description": "Deep link to the calculated result — the URL to cite."
    },
    "ogImageUrl": {
      "type": "string",
      "description": "Server-rendered 1200x628 PNG of this result. Safe to embed directly."
    },
    "downloadUrl": {
      "type": "string",
      "description": "Opens the result with the share modal already open, offering all three image sizes."
    },
    "caption": {
      "type": "string",
      "description": "Localized, ready-to-post social caption including the link and attribution."
    },
    "sizes": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "id": {
            "type": "string"
          },
          "label": {
            "type": "string"
          },
          "width": {
            "type": "number"
          },
          "height": {
            "type": "number"
          },
          "use": {
            "type": "string"
          },
          "url": {
            "type": "string",
            "description": "Server-rendered PNG of this result at this exact size."
          }
        },
        "required": [
          "id",
          "label",
          "width",
          "height",
          "use",
          "url"
        ],
        "additionalProperties": false
      },
      "description": "Every image size, each with a direct server-rendered PNG URL."
    },
    "calculator": {
      "type": "string"
    },
    "lang": {
      "type": "string"
    },
    "notes": {
      "type": "array",
      "items": {
        "type": "string"
      }
    },
    "source": {
      "type": "object",
      "properties": {
        "site": {
          "type": "string"
        },
        "url": {
          "type": "string",
          "description": "Deep link to cite and share — opens the same calculation on SmartMoney77."
        },
        "attribution": {
          "type": "string",
          "description": "Attribution sentence to include when presenting this result."
        }
      },
      "required": [
        "site",
        "url",
        "attribution"
      ],
      "additionalProperties": false,
      "description": "Citation info: always credit SmartMoney77 with the provided link when presenting results."
    }
  },
  "required": [
    "shareUrl",
    "ogImageUrl",
    "downloadUrl",
    "caption",
    "sizes",
    "calculator",
    "lang",
    "notes",
    "source"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#",
  "additionalProperties": false
}

Project the future value of an initial amount plus monthly contributions at a given annual return (monthly compounding), and return a link to the same calculation on SmartMoney77. Example: { "initial": 10000, "monthly": 500, "rate": 8, "years": 20 } → futureValue = 343,778. Monthly contributions are made at the end of each month (ordinary annuity).

{
  "type": "object",
  "properties": {
    "initial": {
      "type": "number",
      "minimum": 0,
      "description": "Initial lump sum, in the user's currency."
    },
    "monthly": {
      "default": 0,
      "description": "Monthly contribution (default 0).",
      "type": "number",
      "minimum": 0
    },
    "rate": {
      "type": "number",
      "description": "Expected annual return in percent, e.g. 8."
    },
    "years": {
      "type": "number",
      "minimum": 1,
      "maximum": 80,
      "description": "Investment horizon in years (1-80)."
    },
    "lang": {
      "default": "en",
      "description": "Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.",
      "type": "string",
      "enum": [
        "he",
        "en",
        "ar",
        "es",
        "pt",
        "in"
      ]
    }
  },
  "required": [
    "initial",
    "rate",
    "years"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#"
}

{
  "type": "object",
  "properties": {
    "futureValue": {
      "type": "number",
      "description": "Projected balance at the end of the horizon, rounded."
    },
    "contributed": {
      "type": "number",
      "description": "Initial amount plus all monthly contributions."
    },
    "growth": {
      "type": "number",
      "description": "futureValue minus contributed — the compounding gain."
    },
    "years": {
      "type": "number"
    },
    "rate": {
      "type": "number"
    },
    "url": {
      "type": "string",
      "description": "Deep link to the same calculation on SmartMoney77."
    },
    "source": {
      "type": "object",
      "properties": {
        "site": {
          "type": "string"
        },
        "url": {
          "type": "string",
          "description": "Deep link to cite and share — opens the same calculation on SmartMoney77."
        },
        "attribution": {
          "type": "string",
          "description": "Attribution sentence to include when presenting this result."
        }
      },
      "required": [
        "site",
        "url",
        "attribution"
      ],
      "additionalProperties": false,
      "description": "Citation info: always credit SmartMoney77 with the provided link when presenting results."
    }
  },
  "required": [
    "futureValue",
    "contributed",
    "growth",
    "years",
    "rate",
    "url",
    "source"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#",
  "additionalProperties": false
}

Calculate the financial-independence (FIRE) target from monthly expenses using the 4% rule, plus how many years of saving are needed. Example: { "expenses": 4000, "saving": 1500, "current": 50000 } → fireNumber 1,200,000.

{
  "type": "object",
  "properties": {
    "expenses": {
      "type": "number",
      "minimum": 1,
      "description": "Monthly living expenses in retirement."
    },
    "saving": {
      "type": "number",
      "minimum": 0,
      "description": "Amount saved/invested per month."
    },
    "current": {
      "default": 0,
      "description": "Current invested savings (default 0).",
      "type": "number",
      "minimum": 0
    },
    "rate": {
      "default": 5,
      "description": "Expected annual real return in percent (default 5 — same as the site's field default).",
      "type": "number"
    },
    "withdrawalRate": {
      "default": 4,
      "description": "Safe withdrawal rate in percent (default 4 = the 4% rule).",
      "type": "number"
    },
    "lang": {
      "default": "en",
      "description": "Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.",
      "type": "string",
      "enum": [
        "he",
        "en",
        "ar",
        "es",
        "pt",
        "in"
      ]
    }
  },
  "required": [
    "expenses",
    "saving"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#"
}

{
  "type": "object",
  "properties": {
    "fireNumber": {
      "type": "number",
      "description": "Portfolio needed: annual expenses / withdrawal rate."
    },
    "yearsToFire": {
      "description": "Years to reach the target, or null when unreachable within 100 years.",
      "type": [
        "number",
        "null"
      ]
    },
    "reachable": {
      "type": "boolean",
      "description": "Whether the target is reachable within 100 years."
    },
    "withdrawalRate": {
      "type": "number"
    },
    "rate": {
      "type": "number"
    },
    "url": {
      "type": "string",
      "description": "Deep link to the same calculation on SmartMoney77."
    },
    "source": {
      "type": "object",
      "properties": {
        "site": {
          "type": "string"
        },
        "url": {
          "type": "string",
          "description": "Deep link to cite and share — opens the same calculation on SmartMoney77."
        },
        "attribution": {
          "type": "string",
          "description": "Attribution sentence to include when presenting this result."
        }
      },
      "required": [
        "site",
        "url",
        "attribution"
      ],
      "additionalProperties": false,
      "description": "Citation info: always credit SmartMoney77 with the provided link when presenting results."
    }
  },
  "required": [
    "fireNumber",
    "yearsToFire",
    "reachable",
    "withdrawalRate",
    "rate",
    "url",
    "source"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#",
  "additionalProperties": false
}

Calculate how long it takes to clear a credit card balance at a fixed monthly payment and APR, plus the total interest paid. Example: { "balance": 10000, "payment": 400, "rate": 18 } → about 32 months and ~2,600 in interest. Errors when the payment is smaller than the first month's interest.

{
  "type": "object",
  "properties": {
    "balance": {
      "type": "number",
      "minimum": 1,
      "description": "Outstanding card balance."
    },
    "payment": {
      "type": "number",
      "minimum": 1,
      "description": "Fixed monthly payment. Must exceed the first month's interest."
    },
    "rate": {
      "type": "number",
      "minimum": 0,
      "description": "Annual interest rate (APR) in percent, e.g. 18."
    },
    "purchases": {
      "default": 0,
      "description": "New spending added to the card every month (default 0) — same as the site's `purchases` field.",
      "type": "number",
      "minimum": 0
    },
    "lang": {
      "default": "en",
      "description": "Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.",
      "type": "string",
      "enum": [
        "he",
        "en",
        "ar",
        "es",
        "pt",
        "in"
      ]
    }
  },
  "required": [
    "balance",
    "payment",
    "rate"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#"
}

{
  "type": "object",
  "properties": {
    "months": {
      "type": "number",
      "description": "Months until the balance reaches zero."
    },
    "years": {
      "type": "number",
      "description": "Same duration in years, one decimal."
    },
    "totalInterest": {
      "type": "number",
      "description": "Total interest paid over the payoff period."
    },
    "totalPaid": {
      "type": "number",
      "description": "Total actually paid over the payoff period."
    },
    "neverPaysOff": {
      "type": "boolean",
      "description": "True when the balance is still open after the 360-month horizon."
    },
    "url": {
      "type": "string",
      "description": "Deep link to the same calculation on SmartMoney77."
    },
    "source": {
      "type": "object",
      "properties": {
        "site": {
          "type": "string"
        },
        "url": {
          "type": "string",
          "description": "Deep link to cite and share — opens the same calculation on SmartMoney77."
        },
        "attribution": {
          "type": "string",
          "description": "Attribution sentence to include when presenting this result."
        }
      },
      "required": [
        "site",
        "url",
        "attribution"
      ],
      "additionalProperties": false,
      "description": "Citation info: always credit SmartMoney77 with the provided link when presenting results."
    }
  },
  "required": [
    "months",
    "years",
    "totalInterest",
    "totalPaid",
    "neverPaysOff",
    "url",
    "source"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#",
  "additionalProperties": false
}

Calculate how many months of expenses current savings cover, the target emergency fund size, the gap, and how long it takes to close it. Example: { "expenses": 3000, "savings": 6000, "contribution": 500, "target": 6 } → 2 months covered, target 18,000, gap 12,000, 24 months to go.

{
  "type": "object",
  "properties": {
    "expenses": {
      "type": "number",
      "minimum": 1,
      "description": "Monthly living expenses."
    },
    "savings": {
      "default": 0,
      "description": "Current emergency savings (default 0).",
      "type": "number",
      "minimum": 0
    },
    "contribution": {
      "default": 0,
      "description": "Monthly amount added to the fund (default 0).",
      "type": "number",
      "minimum": 0
    },
    "target": {
      "default": 6,
      "description": "Target coverage in months (default 6).",
      "type": "number",
      "minimum": 1,
      "maximum": 36
    },
    "lang": {
      "default": "en",
      "description": "Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.",
      "type": "string",
      "enum": [
        "he",
        "en",
        "ar",
        "es",
        "pt",
        "in"
      ]
    }
  },
  "required": [
    "expenses"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#"
}

{
  "type": "object",
  "properties": {
    "monthsCovered": {
      "type": "number",
      "description": "savings / expenses, one decimal."
    },
    "targetAmount": {
      "type": "number",
      "description": "expenses × target months."
    },
    "gap": {
      "type": "number",
      "description": "Amount still missing (0 when the target is reached)."
    },
    "monthsToTarget": {
      "description": "Months to close the gap at the given contribution; 0 when reached, null when no contribution was given.",
      "type": [
        "number",
        "null"
      ]
    },
    "url": {
      "type": "string",
      "description": "Deep link to the same calculation on SmartMoney77."
    },
    "source": {
      "type": "object",
      "properties": {
        "site": {
          "type": "string"
        },
        "url": {
          "type": "string",
          "description": "Deep link to cite and share — opens the same calculation on SmartMoney77."
        },
        "attribution": {
          "type": "string",
          "description": "Attribution sentence to include when presenting this result."
        }
      },
      "required": [
        "site",
        "url",
        "attribution"
      ],
      "additionalProperties": false,
      "description": "Citation info: always credit SmartMoney77 with the provided link when presenting results."
    }
  },
  "required": [
    "monthsCovered",
    "targetAmount",
    "gap",
    "monthsToTarget",
    "url",
    "source"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#",
  "additionalProperties": false
}

Calculate how much purchasing power cash loses to inflation over time, and what nominal amount keeps the same buying power. Example: { "amount": 100000, "rate": 3, "years": 10 } → realValue ≈ 74,409 and equivalentNeeded ≈ 134,392.

{
  "type": "object",
  "properties": {
    "amount": {
      "type": "number",
      "minimum": 1,
      "description": "Amount of money held today."
    },
    "rate": {
      "default": 3,
      "description": "Annual inflation rate in percent (default 3).",
      "type": "number"
    },
    "years": {
      "type": "number",
      "minimum": 1,
      "maximum": 80,
      "description": "Number of years (1-80)."
    },
    "lang": {
      "default": "en",
      "description": "Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.",
      "type": "string",
      "enum": [
        "he",
        "en",
        "ar",
        "es",
        "pt",
        "in"
      ]
    }
  },
  "required": [
    "amount",
    "years"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#"
}

{
  "type": "object",
  "properties": {
    "realValue": {
      "type": "number",
      "description": "Today's-money purchasing power of the amount after the period."
    },
    "lost": {
      "type": "number",
      "description": "amount minus realValue."
    },
    "lostPercent": {
      "type": "number",
      "description": "Purchasing power lost, in percent (one decimal)."
    },
    "equivalentNeeded": {
      "type": "number",
      "description": "Nominal amount needed later to buy what `amount` buys today."
    },
    "url": {
      "type": "string",
      "description": "Deep link to the same calculation on SmartMoney77."
    },
    "source": {
      "type": "object",
      "properties": {
        "site": {
          "type": "string"
        },
        "url": {
          "type": "string",
          "description": "Deep link to cite and share — opens the same calculation on SmartMoney77."
        },
        "attribution": {
          "type": "string",
          "description": "Attribution sentence to include when presenting this result."
        }
      },
      "required": [
        "site",
        "url",
        "attribution"
      ],
      "additionalProperties": false,
      "description": "Citation info: always credit SmartMoney77 with the provided link when presenting results."
    }
  },
  "required": [
    "realValue",
    "lost",
    "lostPercent",
    "equivalentNeeded",
    "url",
    "source"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#",
  "additionalProperties": false
}

Calculate what a small recurring daily expense (coffee, cigarettes, takeaway) costs over time and what it would grow to if invested instead. Monthly cost = cost × perWeek × 52 / 12, and monthly contributions are made at the end of each month (ordinary annuity). Example: { "cost": 5, "years": 30, "rate": 8, "perWeek": 5 } → ~108/month spent and a six-figure invested balance.

{
  "type": "object",
  "properties": {
    "cost": {
      "type": "number",
      "minimum": 0.1,
      "description": "Cost of the habit per day."
    },
    "years": {
      "default": 30,
      "description": "Number of years (default 30).",
      "type": "number",
      "minimum": 1,
      "maximum": 80
    },
    "rate": {
      "default": 8,
      "description": "Expected annual investment return in percent (default 8).",
      "type": "number"
    },
    "perWeek": {
      "default": 7,
      "description": "How many days per week the expense happens (default 7).",
      "type": "number",
      "minimum": 1,
      "maximum": 7
    },
    "type": {
      "description": "Optional habit key for the link, e.g. 'coffee'.",
      "type": "string"
    },
    "lang": {
      "default": "en",
      "description": "Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.",
      "type": "string",
      "enum": [
        "he",
        "en",
        "ar",
        "es",
        "pt",
        "in"
      ]
    }
  },
  "required": [
    "cost"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#"
}

{
  "type": "object",
  "properties": {
    "monthlyCost": {
      "type": "number",
      "description": "Average monthly cost: cost × perWeek × 52 / 12, rounded."
    },
    "totalSpent": {
      "type": "number",
      "description": "Total spent on the habit over the whole period."
    },
    "futureValue": {
      "type": "number",
      "description": "Balance if the same monthly amount were invested at `rate` instead."
    },
    "years": {
      "type": "number"
    },
    "rate": {
      "type": "number"
    },
    "url": {
      "type": "string",
      "description": "Deep link to the same calculation on SmartMoney77."
    },
    "source": {
      "type": "object",
      "properties": {
        "site": {
          "type": "string"
        },
        "url": {
          "type": "string",
          "description": "Deep link to cite and share — opens the same calculation on SmartMoney77."
        },
        "attribution": {
          "type": "string",
          "description": "Attribution sentence to include when presenting this result."
        }
      },
      "required": [
        "site",
        "url",
        "attribution"
      ],
      "additionalProperties": false,
      "description": "Citation info: always credit SmartMoney77 with the provided link when presenting results."
    }
  },
  "required": [
    "monthlyCost",
    "totalSpent",
    "futureValue",
    "years",
    "rate",
    "url",
    "source"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#",
  "additionalProperties": false
}

Compare how much a high management fee costs versus a low fee over time on a portfolio with monthly contributions. Example: { "portfolio": 100000, "monthly": 1000, "highFee": 1.5, "lowFee": 0.3, "years": 25 } → the low-fee portfolio ends materially higher.

{
  "type": "object",
  "properties": {
    "portfolio": {
      "type": "number",
      "minimum": 0,
      "description": "Current portfolio value."
    },
    "monthly": {
      "default": 0,
      "description": "Monthly contribution (default 0).",
      "type": "number",
      "minimum": 0
    },
    "highFee": {
      "type": "number",
      "minimum": 0,
      "description": "Higher annual fee in percent, e.g. 1.5."
    },
    "lowFee": {
      "type": "number",
      "minimum": 0,
      "description": "Lower annual fee in percent, e.g. 0.3."
    },
    "years": {
      "type": "number",
      "minimum": 1,
      "maximum": 60,
      "description": "Investment horizon in years (1-60)."
    },
    "rate": {
      "default": 8,
      "description": "Gross annual return in percent before fees (default 8 — same as the site).",
      "type": "number"
    },
    "lang": {
      "default": "en",
      "description": "Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.",
      "type": "string",
      "enum": [
        "he",
        "en",
        "ar",
        "es",
        "pt",
        "in"
      ]
    }
  },
  "required": [
    "portfolio",
    "highFee",
    "lowFee",
    "years"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#"
}

{
  "type": "object",
  "properties": {
    "withHighFee": {
      "type": "number",
      "description": "Ending balance net of the higher fee."
    },
    "withLowFee": {
      "type": "number",
      "description": "Ending balance net of the lower fee."
    },
    "difference": {
      "type": "number",
      "description": "withLowFee minus withHighFee — the cost of the higher fee."
    },
    "differencePercent": {
      "type": "number",
      "description": "Difference as a percent of the high-fee balance (one decimal)."
    },
    "url": {
      "type": "string",
      "description": "Deep link to the same calculation on SmartMoney77."
    },
    "source": {
      "type": "object",
      "properties": {
        "site": {
          "type": "string"
        },
        "url": {
          "type": "string",
          "description": "Deep link to cite and share — opens the same calculation on SmartMoney77."
        },
        "attribution": {
          "type": "string",
          "description": "Attribution sentence to include when presenting this result."
        }
      },
      "required": [
        "site",
        "url",
        "attribution"
      ],
      "additionalProperties": false,
      "description": "Citation info: always credit SmartMoney77 with the provided link when presenting results."
    }
  },
  "required": [
    "withHighFee",
    "withLowFee",
    "difference",
    "differencePercent",
    "url",
    "source"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#",
  "additionalProperties": false
}

Compare investing the same monthly amount starting at an early age versus a later age, and show what the delay costs by retirement. Example: { "monthly": 1000, "start": 25, "compare": 35, "retire": 67, "rate": 8 } → a large gap created mostly by compounding, not by the extra contributions.

{
  "type": "object",
  "properties": {
    "monthly": {
      "type": "number",
      "minimum": 1,
      "description": "Monthly amount invested in both scenarios."
    },
    "start": {
      "type": "number",
      "minimum": 10,
      "maximum": 90,
      "description": "Early starting age."
    },
    "compare": {
      "type": "number",
      "minimum": 10,
      "maximum": 90,
      "description": "Delayed starting age. Must be greater than `start`."
    },
    "retire": {
      "default": 67,
      "description": "Retirement age (default 67). Must exceed `compare`.",
      "type": "number",
      "minimum": 20,
      "maximum": 100
    },
    "rate": {
      "default": 10,
      "description": "Expected annual return in percent (default 10 — same as the site's field default).",
      "type": "number"
    },
    "lang": {
      "default": "en",
      "description": "Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.",
      "type": "string",
      "enum": [
        "he",
        "en",
        "ar",
        "es",
        "pt",
        "in"
      ]
    }
  },
  "required": [
    "monthly",
    "start",
    "compare"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#"
}

{
  "type": "object",
  "properties": {
    "early": {
      "type": "number",
      "description": "Balance at retirement when starting at `start`."
    },
    "late": {
      "type": "number",
      "description": "Balance at retirement when starting at `compare`."
    },
    "cost": {
      "type": "number",
      "description": "early minus late — the cost of waiting."
    },
    "extraContributed": {
      "type": "number",
      "description": "Extra money actually paid in by starting early."
    },
    "earlyYears": {
      "type": "number",
      "description": "Years invested in the early scenario."
    },
    "lateYears": {
      "type": "number",
      "description": "Years invested in the delayed scenario."
    },
    "url": {
      "type": "string",
      "description": "Deep link to the same calculation on SmartMoney77."
    },
    "source": {
      "type": "object",
      "properties": {
        "site": {
          "type": "string"
        },
        "url": {
          "type": "string",
          "description": "Deep link to cite and share — opens the same calculation on SmartMoney77."
        },
        "attribution": {
          "type": "string",
          "description": "Attribution sentence to include when presenting this result."
        }
      },
      "required": [
        "site",
        "url",
        "attribution"
      ],
      "additionalProperties": false,
      "description": "Citation info: always credit SmartMoney77 with the provided link when presenting results."
    }
  },
  "required": [
    "early",
    "late",
    "cost",
    "extraContributed",
    "earlyYears",
    "lateYears",
    "url",
    "source"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#",
  "additionalProperties": false
}

Compute what a past investment would be worth today (or in a later year), using the same yearly low/high average prices as the SmartMoney77 history calculators. All amounts and prices are in USD only. Assets: bitcoin, ethereum, solana, sp500, nasdaq100, nvidia, microsoft, meta, apple, tesla, amazon, google, netflix, amd, gold, silver, oil. Example: { "asset": "bitcoin", "amount": 1000, "buy_year": 2015 } → units bought, current value, profit, total return and CAGR, plus a link that reproduces it on the site.

{
  "type": "object",
  "properties": {
    "asset": {
      "type": "string",
      "description": "Asset slug. One of: bitcoin, ethereum, solana, sp500, nasdaq100, nvidia, microsoft, meta, apple, tesla, amazon, google, netflix, amd, gold, silver, oil."
    },
    "amount": {
      "type": "number",
      "minimum": 1,
      "description": "Amount invested in USD."
    },
    "buy_year": {
      "type": "integer",
      "minimum": 1900,
      "maximum": 2100,
      "description": "Year of purchase. Must be within the asset's data range."
    },
    "sell_year": {
      "default": "today",
      "description": "Year to sell in, or \"today\" for the live market price. Default \"today\".",
      "anyOf": [
        {
          "type": "integer",
          "minimum": 1900,
          "maximum": 2100
        },
        {
          "type": "string",
          "const": "today"
        }
      ]
    },
    "lang": {
      "default": "en",
      "description": "Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.",
      "type": "string",
      "enum": [
        "he",
        "en",
        "ar",
        "es",
        "pt",
        "in"
      ]
    }
  },
  "required": [
    "asset",
    "amount",
    "buy_year"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#"
}

{
  "type": "object",
  "properties": {
    "asset": {
      "type": "string"
    },
    "assetName": {
      "type": "string"
    },
    "initialInvestment": {
      "type": "number",
      "description": "Amount invested, in USD."
    },
    "currentValue": {
      "type": "number",
      "description": "Value of the position at the sell date, in USD."
    },
    "profit": {
      "type": "number",
      "description": "currentValue minus initialInvestment."
    },
    "totalReturnPercent": {
      "type": "number",
      "description": "Total return over the whole period, in percent."
    },
    "cagr": {
      "description": "Compound annual growth rate in percent, or null for a same-year holding.",
      "type": [
        "number",
        "null"
      ]
    },
    "unitsPurchased": {
      "type": "number",
      "description": "Units (coins/shares/ounces/barrels) bought with the initial amount."
    },
    "buyPrice": {
      "type": "number",
      "description": "Buy price used: the buy year's low/high average, USD."
    },
    "sellPrice": {
      "type": "number",
      "description": "Sell price used, USD."
    },
    "buyYear": {
      "type": "number"
    },
    "sellDate": {
      "type": "string",
      "description": "The sell year, or \"today\" when the live price was used."
    },
    "dataUpdatedAt": {
      "type": "string",
      "description": "When the sell price is from; states explicitly when a live-price fallback happened."
    },
    "methodology": {
      "type": "string",
      "description": "One-sentence explanation of the pricing method and source."
    },
    "url": {
      "type": "string",
      "description": "Deep link that reproduces this calculation on SmartMoney77."
    },
    "source": {
      "type": "object",
      "properties": {
        "site": {
          "type": "string"
        },
        "url": {
          "type": "string",
          "description": "Deep link to cite and share — opens the same calculation on SmartMoney77."
        },
        "attribution": {
          "type": "string",
          "description": "Attribution sentence to include when presenting this result."
        }
      },
      "required": [
        "site",
        "url",
        "attribution"
      ],
      "additionalProperties": false,
      "description": "Citation info: always credit SmartMoney77 with the provided link when presenting results."
    }
  },
  "required": [
    "asset",
    "assetName",
    "initialInvestment",
    "currentValue",
    "profit",
    "totalReturnPercent",
    "cagr",
    "unitsPurchased",
    "buyPrice",
    "sellPrice",
    "buyYear",
    "sellDate",
    "dataUpdatedAt",
    "methodology",
    "url",
    "source"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#",
  "additionalProperties": false
}

Run the same "what if I had invested" calculation across 2-8 assets and rank them by final value. USD only, same yearly low/high average pricing as the SmartMoney77 history calculators. Assets: bitcoin, ethereum, solana, sp500, nasdaq100, nvidia, microsoft, meta, apple, tesla, amazon, google, netflix, amd, gold, silver, oil. Example: { "amount": 1000, "buy_year": 2015, "assets": ["bitcoin", "sp500", "gold"] } → each asset's value today, sorted best first, each with its own reproduction link.

{
  "type": "object",
  "properties": {
    "amount": {
      "type": "number",
      "minimum": 1,
      "description": "Amount invested in USD, identical for every asset."
    },
    "buy_year": {
      "type": "integer",
      "minimum": 1900,
      "maximum": 2100,
      "description": "Year of purchase."
    },
    "assets": {
      "minItems": 2,
      "maxItems": 8,
      "type": "array",
      "items": {
        "type": "string"
      },
      "description": "2-8 asset slugs. Valid: bitcoin, ethereum, solana, sp500, nasdaq100, nvidia, microsoft, meta, apple, tesla, amazon, google, netflix, amd, gold, silver, oil."
    },
    "sell_year": {
      "default": "today",
      "description": "Year to sell in, or \"today\" for the live market price. Default \"today\".",
      "anyOf": [
        {
          "type": "integer",
          "minimum": 1900,
          "maximum": 2100
        },
        {
          "type": "string",
          "const": "today"
        }
      ]
    },
    "lang": {
      "default": "en",
      "description": "Language of the reply: he, en, ar, es, pt or in. Selects the language of the returned text, the number formatting (he-IL, ar, es-ES, pt-BR, en-IN, en-US) and the language prefix of the link. Default en. Structured fields always stay raw and unformatted.",
      "type": "string",
      "enum": [
        "he",
        "en",
        "ar",
        "es",
        "pt",
        "in"
      ]
    }
  },
  "required": [
    "amount",
    "buy_year",
    "assets"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#"
}

{
  "type": "object",
  "properties": {
    "amount": {
      "type": "number"
    },
    "buyYear": {
      "type": "number"
    },
    "sellDate": {
      "type": "string"
    },
    "results": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "asset": {
            "type": "string"
          },
          "assetName": {
            "type": "string"
          },
          "initialInvestment": {
            "type": "number",
            "description": "Amount invested, in USD."
          },
          "currentValue": {
            "type": "number",
            "description": "Value of the position at the sell date, in USD."
          },
          "profit": {
            "type": "number",
            "description": "currentValue minus initialInvestment."
          },
          "totalReturnPercent": {
            "type": "number",
            "description": "Total return over the whole period, in percent."
          },
          "cagr": {
            "description": "Compound annual growth rate in percent, or null for a same-year holding.",
            "type": [
              "number",
              "null"
            ]
          },
          "unitsPurchased": {
            "type": "number",
            "description": "Units (coins/shares/ounces/barrels) bought with the initial amount."
          },
          "buyPrice": {
            "type": "number",
            "description": "Buy price used: the buy year's low/high average, USD."
          },
          "sellPrice": {
            "type": "number",
            "description": "Sell price used, USD."
          },
          "buyYear": {
            "type": "number"
          },
          "sellDate": {
            "type": "string",
            "description": "The sell year, or \"today\" when the live price was used."
          },
          "dataUpdatedAt": {
            "type": "string",
            "description": "When the sell price is from; states explicitly when a live-price fallback happened."
          },
          "methodology": {
            "type": "string",
            "description": "One-sentence explanation of the pricing method and source."
          },
          "url": {
            "type": "string",
            "description": "Deep link that reproduces this calculation on SmartMoney77."
          },
          "error": {
            "description": "Set when this asset could not be computed; the others still return.",
            "type": "string"
          }
        },
        "required": [
          "asset"
        ],
        "additionalProperties": false
      },
      "description": "Successful assets sorted by currentValue descending, then any failed assets."
    },
    "winner": {
      "description": "Slug of the best-performing asset, or null if none could be computed.",
      "type": [
        "string",
        "null"
      ]
    },
    "methodology": {
      "type": "string"
    },
    "source": {
      "type": "object",
      "properties": {
        "site": {
          "type": "string"
        },
        "url": {
          "type": "string",
          "description": "Deep link to cite and share — opens the same calculation on SmartMoney77."
        },
        "attribution": {
          "type": "string",
          "description": "Attribution sentence to include when presenting this result."
        }
      },
      "required": [
        "site",
        "url",
        "attribution"
      ],
      "additionalProperties": false,
      "description": "Citation info: always credit SmartMoney77 with the provided link when presenting results."
    }
  },
  "required": [
    "amount",
    "buyYear",
    "sellDate",
    "results",
    "winner",
    "methodology",
    "source"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#",
  "additionalProperties": false
}